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X FINANCIAL-ADR (XYF) Stock Fundamental Analysis

NYSE:XYF - New York Stock Exchange, Inc. - US98372W2026 - ADR - Currency: USD

18.85  +1.72 (+10.04%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to XYF. XYF was compared to 51 industry peers in the Consumer Finance industry. While XYF has a great profitability rating, there are some minor concerns on its financial health. XYF has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

XYF had positive earnings in the past year.
Of the past 5 years XYF 4 years were profitable.
XYF had a positive operating cash flow in 4 of the past 5 years.
XYF Yearly Net Income VS EBIT VS OCF VS FCFXYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

XYF has a better Return On Assets (13.83%) than 92.16% of its industry peers.
Looking at the Return On Equity, with a value of 23.51%, XYF belongs to the top of the industry, outperforming 82.35% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 33.36%, XYF belongs to the top of the industry, outperforming 98.04% of the companies in the same industry.
XYF had an Average Return On Invested Capital over the past 3 years of 16.93%. This is significantly above the industry average of 10.59%.
The 3 year average ROIC (16.93%) for XYF is below the current ROIC(33.36%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 13.83%
ROE 23.51%
ROIC 33.36%
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
XYF Yearly ROA, ROE, ROICXYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

XYF has a better Profit Margin (24.76%) than 90.20% of its industry peers.
XYF's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 62.29%, XYF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Operating Margin of XYF has grown nicely.
Looking at the Gross Margin, with a value of 72.95%, XYF is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
In the last couple of years the Gross Margin of XYF has grown nicely.
Industry RankSector Rank
OM 62.29%
PM (TTM) 24.76%
GM 72.95%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
XYF Yearly Profit, Operating, Gross MarginsXYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so XYF is creating value.
XYF has a better debt/assets ratio than last year.
XYF Yearly Shares OutstandingXYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
XYF Yearly Total Debt VS Total AssetsXYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

XYF has an Altman-Z score of 2.92. This is not the best score and indicates that XYF is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of XYF (2.92) is better than 82.35% of its industry peers.
XYF has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
XYF has a better Debt to Equity ratio (0.39) than 76.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF N/A
Altman-Z 2.92
ROIC/WACC5.96
WACC5.6%
XYF Yearly LT Debt VS Equity VS FCFXYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

XYF has a Current Ratio of 1.36. This is a normal value and indicates that XYF is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of XYF (1.36) is comparable to the rest of the industry.
A Quick Ratio of 1.36 indicates that XYF should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.36, XYF is in line with its industry, outperforming 54.90% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.36
Quick Ratio 1.36
XYF Yearly Current Assets VS Current LiabilitesXYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 34.50% over the past year.
XYF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.75% yearly.
Looking at the last year, XYF shows a very strong growth in Revenue. The Revenue has grown by 31.56%.
The Revenue has been growing by 13.71% on average over the past years. This is quite good.
EPS 1Y (TTM)34.5%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%44.26%
Revenue 1Y (TTM)31.56%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%60.43%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XYF Yearly Revenue VS EstimatesXYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
XYF Yearly EPS VS EstimatesXYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 3.80, which indicates a rather cheap valuation of XYF.
Based on the Price/Earnings ratio, XYF is valued cheaper than 98.04% of the companies in the same industry.
When comparing the Price/Earnings ratio of XYF to the average of the S&P500 Index (26.17), we can say XYF is valued rather cheaply.
Industry RankSector Rank
PE 3.8
Fwd PE N/A
XYF Price Earnings VS Forward Price EarningsXYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, XYF is valued cheaply inside the industry as 90.20% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.6
XYF Per share dataXYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The excellent profitability rating of XYF may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

XYF has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.
XYF's Dividend Yield is a higher than the industry average which is at 4.38.
XYF's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 1.86%

5.2 History

XYF has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
XYF Yearly Dividends per shareXYF Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
XYF Yearly Income VS Free CF VS DividendXYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B 1.5B

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X FINANCIAL-ADR

NYSE:XYF (5/29/2025, 2:26:57 PM)

18.85

+1.72 (+10.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-19 2025-05-19
Earnings (Next)N/A N/A
Inst Owners2.02%
Inst Owner Change82.53%
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap795.65M
Analysts45
Price TargetN/A
Short Float %1.31%
Short Ratio0.23
Dividend
Industry RankSector Rank
Dividend Yield 1.86%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 3.8
Fwd PE N/A
P/S 0.87
P/FCF N/A
P/OCF N/A
P/B 0.82
P/tB 0.83
EV/EBITDA 1.6
EPS(TTM)4.96
EY26.31%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS21.74
BVpS22.9
TBVpS22.78
PEG (NY)N/A
PEG (5Y)0.23
Profitability
Industry RankSector Rank
ROA 13.83%
ROE 23.51%
ROCE 42.91%
ROIC 33.36%
ROICexc 37.04%
ROICexgc 37.38%
OM 62.29%
PM (TTM) 24.76%
GM 72.95%
FCFM N/A
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
ROICexc(3y)18.79%
ROICexc(5y)N/A
ROICexgc(3y)18.94%
ROICexgc(5y)N/A
ROCE(3y)21.77%
ROCE(5y)N/A
ROICexcg growth 3Y18.75%
ROICexcg growth 5Y4.96%
ROICexc growth 3Y18.81%
ROICexc growth 5Y10.59%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
F-ScoreN/A
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF N/A
Debt/EBITDA 0.66
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.36
Quick Ratio 1.36
Altman-Z 2.92
F-ScoreN/A
WACC5.6%
ROIC/WACC5.96
Cap/Depr(3y)148.84%
Cap/Depr(5y)104.75%
Cap/Sales(3y)0.19%
Cap/Sales(5y)0.18%
Profit Quality(3y)68.29%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)34.5%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%44.26%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.56%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%60.43%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y63.8%
EBIT growth 3Y38.13%
EBIT growth 5Y33.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y87.3%
FCF growth 3Y50.06%
FCF growth 5Y20.85%
OCF growth 1Y87.07%
OCF growth 3Y50.23%
OCF growth 5Y20.46%